Updated: November 20, 2019

Private Health Insurance for Professionals

Are you a professional looking for private healthcare? In this guide we explore the key benefits for a range of professionals, and how an expert can help

Get Started

No impact on your credit score

Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: November 20, 2019

Though many people working in the public sector enjoy private medical cover through their employers, it’s very common for such workers to also arrange their own additional private insurance. And there are many good reasons for this.

In this short article, you’ll learn about private health cover for a range of professionals in the UK. We’ll mainly cover private health insurance for medical professionals, police and those working in education.

If you’re employed in the public sector – and are either thinking about extra coverage, or an evaluation of your current policy, get in touch.

We’ll introduce you to one of the experts that we work with. They will be happy to answer all your questions and, as independent financial advisors, they can help you to find the very best private policy for your needs, at the best available price.

Private health insurance for teachers

There can be great benefits to a teaching career – teachers private health insurance amongst them. Everyone knows that keeping our educators at their best is vital to the needs of students, young and old.

As such, there are a number of health insurance schemes for the people working in the educational sector, and coverage is not just limited to teachers. Lecturers, assessors, trainers and anyone else who works directly in teaching can take advantage of health insurance at preferable rates.

Many insurers offer group cover for schools and trusts – these are sometimes referred to as ‘corporate schemes’. Some teacher’s unions have arrangements with private health insurance companies, though these are not necessarily the best deals on the market from a value point of view.

In many cases, you may be able to get private health insurance even if you no longer work in education.

Teacher’s private health insurance: Supply vs. full-time

The type of teaching that you do can affect the sort of coverage that may be best for you.

For example, if you work as a peripatetic teacher, you may have different needs to a supply teacher, teaching assistant or full-time teacher. Thankfully, there’s a range of private health insurance policies for teachers, and it’s very likely that there’s one suited to the kind of teaching that you do.

Get in touch and one of the experts that we work with can help you find the best policy with the level of cover you desire at a price that’s right.

Speak to an expert today

Get Started

Private health insurance for healthcare workers

If you work in healthcare, you probably know that healthcare is one of the most pressured areas of the public sector and healthcare workers need to make sure that they’re doing everything they can to manage the stress of the role.

It probably also wouldn’t surprise you to find that there are many healthcare workers seeking private health insurance. Which is why many of the major insurers have established sub-schemes, specifically for medical staff.

Many such schemes cover group trusts, but there’s also specialist cover for specific types of healthcare workers, which we cover in more detail below.

Private health insurance for doctors

A number of group schemes cater specifically to doctors. The circumstances in which doctors work can vary significantly from other kinds of medical work, and even amongst the speciality of the doctor themselves, and there are insurance products that cater to these variables.

As an example; though a GP and surgeon are both accorded the title ‘doctor’, their day-to-day work can vary enormously. As such, it’s a wise idea to speak to an expert to ensure that you find the best policy for your specific needs and for the kind of work that you do.

Private health insurance for nurses

Nurses too have their own, unique set of working conditions and insurance requirements – and again, there may be differences between different kinds of occupational specialities.

For example, a mental health nurse may have different requirements to one who specialises in children’s nursing, or one who practices in learning disabilities.

Thankfully, many specialist health insurers understand these differences, and, with the help of an expert, there’s usually a policy to suit.

Health insurance for private medical business workers

Those who work for a private medical company tend to know the value of private health insurance. So private health insurance for workers in the private medical business is very common indeed.

If you work for a private healthcare provider, it’s likely that your company will give you access to its own insurance scheme, probably on preferential terms. As such, you may be getting a pretty good deal on your insurance, but not necessarily the best deal.

The experts that we work with are masters when it comes to hunting down the best health insurance for private medical business workers. Make an enquiry for a free, no-obligation chat with one of the advisors we work with.

Private health insurance for police

It goes without saying that law enforcement can be extremely stressful and physically demanding. It’s also a service that we can’t do without, keeping our police healthy and ready to serve is a national priority.

Many police opt for private health insurance, and there are a small number of specialist private health insurance arrangements specifically for police and their immediate families.

These schemes provide access to treatment at private facilities, will pay for treatment (up to a certain figure), and ensure that law enforcement professionals (and their families) spend as little time waiting for medical help as possible.

Private health insurance for civil servants

The civil service is another role that is vital to keeping the country running and specialist private health insurance for this sector is often available on preferential terms.

As with education, there’s a range of cover to choose from, depending on your budget and your needs.

In addition, specialist cover is often available even if you no longer work in the service – or if you worked for an organisation that has since been privatised.

Speak to an expert if you’d like to explore your options.

Speak to a health insurance expert expert

If you have questions about private health cover and want to speak to an expert for the right advice, call 0808 189 0463 or make an enquiry.

Then sit back and let us do all the hard work in finding the advisor with the right expertise for your circumstances. We don’t charge a fee and there’s absolutely no obligation to act on the advice you’re given.

Speak to an expert today

Get Started
Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

Get Started